IFSC Code of Punjab and Sind Bank, Kolkata Panch Sayar Siksha Nikatan, Garia Branch, West Bengal

Use this page as a one-stop reference for everything related to Punjab and Sind Bank's KOLKATA PANCH SAYAR SIKSHA NIKATAN, GARIA branch in GARIA, WEST BENGAL. The branch's IFSC code PSIB0000848 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Punjab and Sind Bank's KOLKATA PANCH SAYAR SIKSHA NIKATAN, GARIA branch, the IFSC PSIB0000848 breaks down as follows: PSIB identifies the bank, 0 is the reserved character, and 000848 identifies this particular branch.

Branch details at a glance

About Punjab and Sind Bank

Punjab and Sind Bank operates a wide network of branches across India, including the Kolkata Panch Sayar Siksha Nikatan, Garia branch in Garia. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PSIB0000848.

About the Kolkata Panch Sayar Siksha Nikatan, Garia branch

The Kolkata Panch Sayar Siksha Nikatan, Garia branch of Punjab and Sind Bank is situated at PANCHSYAR SIKSHA NIKETAN, V - BLOCK, PANCHSYAR, GARIA, KOLKATA, DISTT SOUTH 24 PARGANAS, WEST BENGAL-700092. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code PSIB0000848 is used.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Punjab and Sind Bank's KOLKATA PANCH SAYAR SIKSHA NIKATAN, GARIA branch came to be assigned the code PSIB0000848.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC PSIB0000848, money simply cannot be routed to the KOLKATA PANCH SAYAR SIKSHA NIKATAN, GARIA branch electronically.

How to transfer money using IFSC PSIB0000848

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC PSIB0000848 across all three.

NEFT to Punjab and Sind Bank, KOLKATA PANCH SAYAR SIKSHA NIKATAN, GARIA using IFSC PSIB0000848

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC PSIB0000848, and confirm that the system picks up Punjab and Sind Bank – KOLKATA PANCH SAYAR SIKSHA NIKATAN, GARIA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KOLKATA PANCH SAYAR SIKSHA NIKATAN, GARIA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's KOLKATA PANCH SAYAR SIKSHA NIKATAN, GARIA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0000848 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab and Sind Bank – KOLKATA PANCH SAYAR SIKSHA NIKATAN, GARIA, use IMPS. With IFSC PSIB0000848 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Kolkata Panch Sayar Siksha Nikatan, Garia

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC PSIB0000848:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at KOLKATA PANCH SAYAR SIKSHA NIKATAN, GARIA is still linked to IFSC PSIB0000848.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Punjab and Sind Bank's KOLKATA PANCH SAYAR SIKSHA NIKATAN, GARIA branch, the IFSC PSIB0000848 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Kolkata Panch Sayar Siksha Nikatan, Garia branch is mapped to IFSC PSIB0000848 on the RBI payments network. The branch generally supports the full retail product catalogue of Punjab and Sind Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains PSIB0000848.

Products and services

Customers walking into the Kolkata Panch Sayar Siksha Nikatan, Garia branch can access most of Punjab and Sind Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC PSIB0000848

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Punjab and Sind Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC PSIB0000848 and the account number together uniquely identify the Kolkata Panch Sayar Siksha Nikatan, Garia branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PSIB0000848

Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the KOLKATA PANCH SAYAR SIKSHA NIKATAN, GARIA branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC PSIB0000848 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Punjab and Sind Bank – KOLKATA PANCH SAYAR SIKSHA NIKATAN, GARIA:

• The IFSC is exactly PSIB0000848 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Punjab and Sind Bank as the bank name and KOLKATA PANCH SAYAR SIKSHA NIKATAN, GARIA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Kolkata Panch Sayar Siksha Nikatan, Garia branch

The branch is located at PANCHSYAR SIKSHA NIKETAN, V - BLOCK, PANCHSYAR, GARIA, KOLKATA, DISTT SOUTH 24 PARGANAS, WEST BENGAL-700092, which puts it inside Garia, the broader South 24 Parganas district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab and Sind Bank Kolkata Panch Sayar Siksha Nikatan, Garia branch” — the verified location pin for IFSC PSIB0000848 should appear at the top of the results.
2. Confirm the branch is open by calling 33-24324754 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC PSIB0000848 and your account number.

Verifying IFSC PSIB0000848 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm PSIB0000848 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 33-24324754.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Kolkata Panch Sayar Siksha Nikatan, Garia branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PSIB0000848, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PSIB0000848 belongs to Punjab and Sind Bank's KOLKATA PANCH SAYAR SIKSHA NIKATAN, GARIA branch, located at PANCHSYAR SIKSHA NIKETAN, V - BLOCK, PANCHSYAR, GARIA, KOLKATA, DISTT SOUTH… in GARIA, WEST BENGAL. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.